| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD CHICAGO, IL 60604 | BLUECROSS BLUESHIELD OF ILLINOIS | $63K | $6K | $69K | 1.19% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | BLUECROSS BLUESHIELD OF ILLINOIS | $15K | — | $15K | 0.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD 12TH FL CHICAGO, IL 60604 | DEARBORN LIFE INSURANCE COMPANY | $26K | $8K | $34K | 10.58% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | DEARBORN LIFE INSURANCE COMPANY | — | $16K | $16K | 5.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL INSURANCE INC | P.O. BOX 2158 RIVERSIDE, CA 92516 | HEALTHIEST YOU | $7K | — | $7K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL MIDWEST LTD | OPERATING WEST ACCOUNT PO BOX 2158 RIVERSIDE, CA 92516 | METLIFE LEGAL PLANS | $2K | — | $2K | 10.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | PO BOX 745841 ATLANTA, GA 30374 | METLIFE LEGAL PLANS | — | $271 | $271 | 1.57% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 1415 W 22ND ST #1000 OAK BROOK, IL 60523 | METLIFE LEGAL PLANS | — | $65 | $65 | 0.38% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 55 E JACKSON BLVD FLOOR 14 CHICAGO, IL 60604 | METLIFE LEGAL PLANS | — | $31 | $31 | 0.18% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | PO BOX 844501 DALLAS, TX 75284 | METLIFE LEGAL PLANS | — | $15 | $15 | 0.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BESTFLEX PLAN EIN 39-2044064 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $7K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 634 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 634 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTHIEST YOU | 515 | $45K |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 903 | $5.8M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 649 | $323K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 649 | $323K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 649 | $323K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 649 | $323K |
| Other(2 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 649 | $341K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 903 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.